Health Insurance:
An insurance policy that provides payment for benefits of a
covered sickness or injury. Included under this definition are
various types of insurance such as: accident insurance, disability
insurance, medical expense insurance, and accidental death and
dismemberment insurance.

Health Maintenance Organization (HMO):
An HMO is a prepaid medical service plan that provides a wide
range of comprehensive health care services for a specified
group (members) or individuals at a fixed periodic payment.

High-Risk Automobile Insurer:
A insurance company that specializes in insuring motorists who
have poor driving records.

Hold-Harmless Clause:
A clause written into an insurance policy which one party agrees
to release another party from any legal liability.

Homeowners Policy:
A package policy providing home owners with a broad range of
property and liability coverages.

Hospital Miscellaneous Services:
Any services other than room and board (and general nursing
services) provided by a hospital during hospital confinement.
Included are such items as: X- ray examinations, laboratory
tests, medicines, surgical dressings, anesthetics (including the
administration of), and use of operating room.

Hull Insurance:
A class of ocean marine insurance that covers physical damage
to the ship or vessel insured. Usually, written on an "all-risks"
basis. Also can provide physical damage insurance on a aircraft,
similar to collision insurance in an automobile policy.

Human Life Value:
A method of determining Life insurance needs by taking into
account a person's income, expenses, remaining years of
earning, and the depreciation of money over time.

Hurricane:
A tropical storm marked by extremely low pressure and circular
winds with a velocity of 75 miles an hour or more.

Important Note: This website provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements.